@slick132 Ok that’s great thanks. My oldest daughter can possibly do this for me. It’s actually really shocking that they can do this. With all the recent changes to bank charges, extortionate payday loans and card fees I really can’t believe this is allowed to go on. I was shocked - £25 for what exactly. It’s madness. I really hope this kind of charge is next on the hit list and these con artists are put out of business. @dx100uk; Are the charges legal? I couldn’t see anywhere in any t and cs that if you cancel a DD you will be charged £25. I wasn’t cancelling the membership just trying to change account. With regards to my dmp it is a relief. Having recently found myself as a single parent it’s helped me out massively and taken a weight off my shoulders. I didn’t pay any fees with Stepchange

Hi guys, Hoping someone can help. I’ve read lots of threads on Harlands and read great advice but nothing really on what to do if you want to stay with the gym. I’m a member and have a years membership paid upfront as a gift. My daughter was given money for her birthday so she could join the gym. She is 12. She doesn’t have a bank account so I set up the membership. It’s a £9.99 a month no contract membership with Gymetc. Have got into financially difficulty and have decided to go on a dmp with Stepchange. Had to change my bank account. In the process of doing this I have missed a payment and been charged £25. To be honest it was just a mistake - I had a lot on my plate. I emailed Harlands explaining my situation and asked them if they could take the fee off on this occasion due to my dire financial situation. Explained that the membership was a gift for my daughter and I had to pay it through my bank as there was no other option and she is too young for an account. Explained I would contact the back and cancel the direct debit as no payments were been made into that account anymore and I didnt want to incur anymore charges. Explained that my daughters father ( who I am separated from) has agreed to take over the direct debit of £9.99 per month as my new bank account only has standing order facilities - it doesn’t have direct debit facilities. Went and cancelled my DD and my ex husband went onto Harlands to put in his DD details for my daughters gym membership. Receive a email from Harlands saying I have been charged another £25 for cancelling my DD. I now owe £50 plus £9.99. Can’t afford £50 fees. I am on a strict budget with my dmp and that is a weeks shopping money. My ex husband has only agreed to pay the £9.99 per month and they have sent a DD mandate to him saying his first payment is £59.99. He has not agreed to this. Want to keep the membership as my daughter is really enjoying it and she only asked for money from family for her birthday so she could pay for the year. Can’t swop membership as she has to be with an adult and I also have a years membership with this gym paid up front for my birthday. I feel I have no choice but to pay this fee as the first issue is my fault and I can’t expect my daughter or ex husband to take the hit. They haven’t got the money to anyways. It will leave me with a huge dent in my food budget. It’s a whole weeks food. I have tried to explain this to Harlands but they are not replying. I have read the t and cs but they are aimed at 12 months contracts mainly. It’s not very clear to me. Help ... sos .... sorry for the essay. Also if my ex husband cancels his DD we will be charged another £25 so I’m backed into a corner.

Thanks so much for your reply. I really appreciate it. Yeah I did think that too but it sounded a bit too good to be true esp when others charge you for the cover and an admin charge. Will get on to them....thanks again.

Hi there, Thanks for your replies. Its direct line. We actually received our policy in the post yesterday and it came with a booklet. Its really hard to understand. It states that if you pay with montly instalments you have the right to cancel within 21 days and the will give you a full refund. Great! Then in another part they state that if you cancel you have to pay one months fee as a cancellation charge. Not sure if that applies to me or not. Yes it was a auto renewal - and it was double the price even though we have never made a claim......can you believe it!! xxxAM

Hi there, This is my very first post on this forum!!! I usually spend hours on the internet trying to find info on issues I have and stumbled across this site today. Wish I found it yonks ago as it seems to have everything I need to know under one roof! Anyway sorry I digress. We received our renewal for home insurance a couple of weeks ago. They quoted us double what we where paying last year so obviously I wasn't willing to pay it. I did a lot of searching and have found lots of quotes for the original price I was paying (and some for less). Asked other half to ring them to find out when the renewal date was (as we misplaced the letter in the meantime)......asked him again and again and he promised he would sort it so left it with him. I have found the letter today and the renewal was 24/10/08. Now, I understand I will have to pay some money as technically they have been covering us but what can they charge us? I have also read that I may be charged an admin fee. I have tried to look on said insurers website but can't find the info I need. Could they charge us a high admin fee? The FSA website states that we shouldnt receive a penalty in the cooling off period and surely a high admin charge is a penalty? Can anyone give me advice please? (Yes I know the main bit of advice anyone can give me is never let other half deal with anything like this again. lol!) I want to be fully prepared before I ring them as I know they are gonna try charge me loads. Cheers AMx